Monmouth County NJ 1-Story Homes for Sale

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  /56

  $986,000

  • 3 Beds
  • 2 Baths

  111 Valley Ave, Highlands, NJ 07732

  Welcome to this charming 3-bedroom, 2 Baths Ranch tucked away on a peaceful dead-end street in the desirable Hills of Highlands-no Flood Insurance needed. Filled with natural light from skylights, this home features beautiful hardwood floors throughout and a cozy gas fireplace in the living area. Sliding glass doors lead to a spacious deck--perfect for entertaining or relaxing outdoors. Enjoy

  Lena Milke Weichert Realtors-Rumson

  111 Valley Ave, Highlands, NJ 07732
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  /36

  $419,000

  • 2 Beds
  • 2 Baths
  • 1,346 Sq Ft

  369 Yorkshire Place, Morganville, NJ 07751

  Introducing a standout second-floor residence in one of Marlboro's most desirable communities--where pride of ownership is immediately felt and every detail has been thoughtfully maintained.Perfectly positioned in Mill Ponds at Marlboro and within the highly regarded Marlboro school district, this 2-bedroom, 2-bath home offers an elevated blend of comfort and convenience. Each generously

  Ron Ison Serhant New Jersey LLC

  369 Yorkshire Place, Morganville, NJ 07751
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  /16

  $475,000

  • 5 Beds
  • 2 Baths

  16 Bayview Ave, Keansburg, NJ 07734

  Located on a Beachblock - only 4th house in from gorgeous sandy beaches and located on a generous 50 x 100 lot - move-in-condition home offers lots of bedrooms and 2 full baths - plenty of off street parking and offering a large fenced in rear yard - great location

  Vincent Alu Lighthouse Realty of NJ, LLC

  16 Bayview Ave, Keansburg, NJ 07734
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  /24

  $2,600,000

  • 2 Beds
  • 2 Baths
  • 1,370 Sq Ft

  392 Ocean Ave Unit 1701, Long Branch, NJ 07740

  NEW CONSTRUCTION. The Atlantic Club Residences is a premier oceanfront condominium community in Long Branch offering 132 luxury residences and over 75,000 sq. ft. of indoor and outdoor amenity space. Homes feature open floor plans with private terraces or balconies, kitchens with porcelain countertops, waterfall islands, custom cabinetry, and integrated Wolf, Sub-Zero, and Cove appliances.

  Teresa Minnick Christies Int'l RE Group

  392 Ocean Ave Unit 1701, Long Branch, NJ 07740
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  /31

  $1,449,000

  • 2 Beds
  • 2 Baths

  1501 Ocean Ave Unit 2502, Asbury Park, NJ 07712

  COMING SOON - showings start 5/12 - Enjoy unobstructed, breathtaking ocean views from every window of this stunning 2 bed / 2 bath turn-key condo. Located on the 5th floor, 2502 offers a spacious, open-plan living/dining room w/ a large, well-equipped kitchen - ideal for entertaining while looking out to the beach & Atlantic ocean. Both bedrooms have newer hardwood floors & large custom closets.

  Dominic Barty-King Space & Company

  1501 Ocean Ave Unit 2502, Asbury Park, NJ 07712
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  /9

  $325,000

  • 1 Bed
  • 1 Bath

  96 East Ave Unit 10, Atlantic Highlands, NJ 07716

  Welcome to this beautifully updated 1-bedroom, 1-bath coastal residence in the heart of Atlantic Highlands. This inviting home features a huge private balcony off the kitchen, perfect for outdoor dining, entertaining, or enjoying coastal breezes.Located in a desirable waterfront community, the complex offers a pool and a relaxed shore lifestyle just minutes from beaches, popular restaurants,

  Jodi Thatcher Coldwell Banker Realty

  96 East Ave Unit 10, Atlantic Highlands, NJ 07716
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  /12

  $200,000

  • 1 Bed
  • 1 Bath
  • 784 Sq Ft

  91 Arrowood Rd Unit D, Manalapan, NJ 07726

  Lower-Level Unit condo located in the highly desirable 55+ community of Covered Bridge. This residence features a living room, dining room, spacious bedroom, full bath and laundry. Open-concept living and dining area. Two storage sheds. Residents enjoy exceptional community amenities such as a clubhouse, in-ground pool, tennis courts, and tree lined common areas. Conveniently located near

  Judith Collan Keller Williams Realty Spring Lake

  91 Arrowood Rd Unit D, Manalapan, NJ 07726
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  /31

  $950,000

  • 2 Beds
  • 2 Baths
  • 1,067 Sq Ft

  113 Lareine Ave Unit 301, Bradley Beach, NJ 07720

  Exquisite ''Penthouse'' Retreat. Fantastic and unique BEACH PROPERTY in Bradley Beach, less than a block to the Beach. Experience unparalleled coastal living. This fully renovated gem features an airy, open floor plan where the living and dining area seamlessly flow together for effortless entertaining. The gourmet kitchen boasts state-of-the-art appliances. Extra-large sliding door leads to a

  Celeste Amann Coldwell Banker Realty

  113 Lareine Ave Unit 301, Bradley Beach, NJ 07720
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  /37

  $1,400,000 Open Sat 12PM - 2PM

  • 4 Beds
  • 4.5 Baths
  • 4,499 Sq Ft

  25 Dellwood Ct, Middletown, NJ 07748

  Nestled on 1.1 acres in highly desirable Oak Hill this beautiful wooded property is not to be missed. Within the past 5 years the following improvements have been added: Vinyl Siding, 30-year Timberline roof, Anderson windows, fence, HW flooring LR and Den, new bar in Great Room, new downstairs baths, Primary Suite porch resurface, new floors on second level, replaced & blacktopped driveway, new

  Joan Picone Weichert Realtors-Rumson

  25 Dellwood Ct, Middletown, NJ 07748
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  /48

  $2,750,000

  • 3 Beds
  • 4 Baths
  • 1,889 Sq Ft

  350 Ocean Ave Unit 502S, Long Branch, NJ 07740

  Dreams really do come true! This fully furnished, move-in-ready 3 bedroom, 4 bath condo offers 1,889 sq. ft. of beautifully designed living space with lovely views of the Atlantic Ocean. Every detail has been thoughtfully selected, from the custom furniture, built-ins and high-end finishes throughout. The kitchen is elegant and a joy, featuring Wolf appliances, Sub-Zero refrigerator, XO wine

  MARA BROWNDORF Heritage House Sotheby's International Realty

  350 Ocean Ave Unit 502S, Long Branch, NJ 07740
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  /4

  $1,249,900

  • 4 Beds
  • 2 Baths
  • 1,497 Sq Ft

  96 Whalepond Rd, Oakhurst, NJ 07755

  Perfect opportunity to own this 4-bedroom, 2-bath Cape situated on a large 100 x 155 lot in desirable Oakhurst. The main level features a bright living room with hardwood floors, an eat-in kitchen with sliding doors leading to the backyard, two bedrooms with hardwood floors, and a full bathroom.The second floor offers two additional bedrooms, a full bathroom, and a bonus loft area currently

  Meir Araman Elite Real Estate Agency , LLC

  96 Whalepond Rd, Oakhurst, NJ 07755
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  /27

  $550,000 Coming Soon

  • 2 Beds
  • 2 Baths
  • 1,401 Sq Ft

  14 Redbud Ln, Howell, NJ 07731

  Welcome to Pine View Estates! This beautifully maintained Chadwick model, 2-bedroom, 2-full bath home offers a perfect blend of comfort and style. Featuring gleaming hardwood floors throughout the main living areas and cozy carpeting in both bedrooms, this home is move-in ready. The spacious layout is enhanced by 9-foot ceilings and an abundance of natural light, creating a bright and inviting

  Karen Albano Coldwell Banker Realty

  14 Redbud Ln, Howell, NJ 07731
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  /28

  $499,999 Open Sat 1PM - 3PM

  • 2 Beds
  • 2.5 Baths
  • 1,220 Sq Ft

  8 Jennings Ct, Freehold, NJ 07728

  Welcome to 8 Jennings Court, a fully renovated Classic model townhome located in the sought-after Poet's Corner section of Freehold. This move-in ready home features 2 bedrooms, 2.5 bathrooms, and an attached 1-car garage. Recent upgrades include a brand new kitchen, updated bathrooms, all new flooring, all new interior doors, recessed lighting, a new HVAC system, and a brand new fence. The

  Mateo Malek EXP Realty

  8 Jennings Ct, Freehold, NJ 07728
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  /26

  $179,900

  • 2 Beds
  • 2 Baths

  16 Easy St, Freehold Township, NJ 07728

  Beautiful 2 BR, 2 Full Bath home located in desired Silvermead neighborhood. This affordable home features many updates including new roof, newer HVAC & HW Heater (2005), new refrigerator and new back door. Home features spacious, open layout with large kitchen and living area. Primary Bedroom features ensuite and large walk-in closet. Home has outdoor patio for entertaining. Home has outdoor

  Corinne Spada NextHome Realty Premier Properties

  16 Easy St, Freehold Township, NJ 07728
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  $906,990 New Construction

  • 3 Beds
  • 3 Baths
  • 2,334 Sq Ft

  176 New Jersey 33 Unit Palmera, Manalapan Township, NJ 07726

  Introducing the Palmera II at K. Hovnanian's® Four Seasons at Manalapan Crossing—a thoughtfully designed 2,334 sq. ft. single-story home tailored for 55+ active adults. This 3-bedroom, 3-bath residence features an open-concept layout with a spacious great room that opens to the backyard through sliding doors, perfect for entertaining. The kitchen boasts a large island and corner pantry,

  June Branagan Landarama Inc.

  176 New Jersey 33 Unit Palmera, Manalapan Township, NJ 07726
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  /30

  $350,000

  • 2 Beds
  • 2 Baths
  • 1,158 Sq Ft

  47 Wild Turkey Way Unit A, Manalapan, NJ 07726

  Welcome to this beautifully renovated, move in ready ranch in a highly sought after adult community offering true one level living with modern finishes throughout. This rare end unit provides added privacy and an abundance of natural light, creating a bright and inviting atmosphere from the moment you walk in. The home features 2 spacious bedrooms and 2 full bathrooms, along with a fully updated

  Jacob Khodakov Signature Realty NJ

  47 Wild Turkey Way Unit A, Manalapan, NJ 07726
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  /36

  $800,000

  • 3 Beds
  • 1 Bath
  • 649 Sq Ft

  1206 Bergh St, Asbury Park, NJ 07712

  Location, location, location. Located two blocks from the beach and boardwalk. Property has a private driveway. Home is need of complete renovation.

  Gary Huizenga C21/ Coastal Realtors

  1206 Bergh St, Asbury Park, NJ 07712
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  /25

  $575,000 Open Fri 11AM - 3PM

  • 1 Bed
  • 2 Baths
  • 955 Sq Ft

  3 5th Ave Unit 208, Neptune City, NJ 07753

  These upscale residences are designed with amenities and features not normally found in this price range. The area's newest coastal community includes 70 condos (in 2 buildings), less than a mile to the ocean and one block to the Bradley Beach train station and downtown. The open ''Flex'' space is perfect as a Dining Room, Den or Office. Take advantage of this opportunity now and be ready to

  Brian Church Berkshire Hathaway HomeServices Fox & Roach - Spring Lake

  3 5th Ave Unit 208, Neptune City, NJ 07753
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  /8

  $4,660,000

  • 4 Beds
  • 3.5 Baths
  • 2,776 Sq Ft

  1201 Ocean Ave Unit 811, Asbury Park, NJ 07712

  WELCOME TO THE BEACH. LIDO Asbury Park is the vision of INSPIRED by Somerset Development - offering the most elevated oceanfront residences. A destination unto itself, LIDO is an 8-story condominium with 112 custom-designed homes. With almost 50,000 square feet of resort-inspired indoor and outdoor amenities, LIDO is an extraordinary feat of architecture and design. A collaboration between Minno

  Matthew Drennan NRT New York, LLC

  1201 Ocean Ave Unit 811, Asbury Park, NJ 07712
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  /28

  $4,700,000 Open Fri 11AM - 4PM

  • 3 Beds
  • 3.5 Baths
  • 2,152 Sq Ft

  390 Ocean Ave Unit 2705, Long Branch, NJ 07740

  NEW CONSTRUCTION. The Atlantic Club Residences is a premier oceanfront condominium community in Long Branch offering 132 luxury residences and over 75,000 sq. ft. of indoor and outdoor amenity space. Homes feature open floor plans with private terraces or balconies, kitchens with porcelain countertops, waterfall islands, custom cabinetry, and integrated Wolf, Sub-Zero, and Cove appliances.

  Teresa Minnick Christies Int'l RE Group

  390 Ocean Ave Unit 2705, Long Branch, NJ 07740
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  /29

  $929,000

  • 6 Beds
  • 3 Baths
  • 2,456 Sq Ft

  182 Wall St, West Long Branch, NJ 07764

  Beautifully renovated ranch in highly sought-after West Long Branch! This spacious home features an updated kitchen with stone countertops, white cabinetry, and stainless steel appliances. The bright and open living room is filled with natural light. Offering 6 large bedrooms and 3 fully renovated modern bathrooms, there is plenty of room for comfortable living. The finished basement provides

  Michael Ades Cathy Ades Real Estate LLC

  182 Wall St, West Long Branch, NJ 07764
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  /17

  $329,000

  • 1 Bed
  • 1 Bath
  • 694 Sq Ft

  1 Central Ave Unit 8, Atlantic Highlands, NJ 07716

  Located in desirable Atlantic Highlands, this peaceful, tucked-away first-floor residence offers an ideal blend of comfort and convenience. Perfect for year-round living, a refined second home, or a relaxing coastal escape. Proven rental history presents a strong investment opportunity. This move-in ready 1-bedroom, 1-bath condo features an open layout, in-unit washer/dryer, private deck off the

  Jessica Baguchinsky Jersey Property Group Realty

  1 Central Ave Unit 8, Atlantic Highlands, NJ 07716
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  /30

  $269,000

  • 2 Beds
  • 1 Bath
  • 1,130 Sq Ft

  23 Meadow Green Cir Unit K, Manalapan, NJ 07726

  Welcome to this sun-filled, generously sized 2-bedroom, 1-bath residence in the sought-after Covered Bridge community. Located on the second level, this home features a comfortable layout with abundant natural light and well-proportioned living areas. The second bedroom offers flexibility--perfect for visitors, a workspace, or whatever suits your lifestyle. Start your day or relax in the evening

  Jennifer Balis Coldwell Banker Realty

  23 Meadow Green Cir Unit K, Manalapan, NJ 07726
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  /43

  $1,450,000 Pre-Foreclosure

  • 3 Beds
  • 2.5 Baths
  • 1,595 Sq Ft

  675 Ocean Ave Unit 4I, Long Branch, NJ 07740

  Wake up to ocean views and the sound of waves in this turnkey 3 bedroom, 2.5 bath luxury residence at Harbour Mansion. This home delivers exceptional value and true move-in-ready beachfront living. Located in the coveted southwest corner of the building, the residence is filled with natural light and framed by sweeping coastal views, and is conveniently located within walking distance to Houses

  Daniel Effenberger O'Brien Realty, LLC

  675 Ocean Ave Unit 4I, Long Branch, NJ 07740
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  /24

  $1,399,000

  • 4 Beds
  • 2.5 Baths
  • 1,978 Sq Ft

  280 Highland Ave, Long Branch, NJ 07740

  MOTIVATED SELLER!! Fantastic 4 bedroom, 2.5 bath home in one of the hottest areas - Elberon! The bedrooms are generously sized and the bathrooms are in newer condition. Kitchen comes with two sinks, tile floors, stainless steel appliances, double ovens and stone countertops. Large living room and dining room makes hosting a cinch. The backyard has a great patio for barbecues and parties.

  Morris Assouline RE/MAX Elite

  280 Highland Ave, Long Branch, NJ 07740
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  /24

  $135,000 Open Sat 12PM - 3PM

  • 2 Beds
  • 2 Baths
  • 960 Sq Ft

  9 Kay Ln Unit 9, Howell Township, NJ 07731

  Monthly Fee pays for: sewerage disposal, water, trash and Recycling pickup, snow plowing and cutting the common area grass. Included in the sale is a 10-foot X12-foot shed, stainless steel kitchen appliances, which includes a stainless-steel up-right freezer. and washer and dryer. This home is move-in ready. The kitchen table and four chairs are negotiable.

  BRENT ANDREWS Weichert Realtors-Freehold

  9 Kay Ln Unit 9, Howell Township, NJ 07731
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  /8

  $94,999 New Construction

  • 1 Bed
  • 1 Bath

  21 Gary Ave, Keansburg, NJ 07734

  Welcome to Holly Hill! Own your own bed/1 bath home! Make an appointment now to see this unbeatable priced home!

  Tina Amarini Imperial Realty Properties

  21 Gary Ave, Keansburg, NJ 07734
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  $225,000

  • 3 Beds
  • 2 Baths
  • 1,400 Sq Ft

  85 Seattle Slew Dr, Howell Township, NJ 07731

  Step into this Spacious Modern comfort & prime Location. This double wide mobile home with 3 bedroom, 2 full baths offering approximately 1,400 sq ft, of comfortable living space. Enjoy the versatility of an additional bonus room-perfect for home office, guest space or creative studio. The home features central air conditioning approximately 4 years old, ensuring year- round comfort. Outside,

  Vicki Gregory Coldwell Banker Riviera Realty

  85 Seattle Slew Dr, Howell Township, NJ 07731
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  /9

  $1,100,000 New Construction

  • 2 Beds
  • 2 Baths
  • 1,073 Sq Ft

  665 2nd Ave Unit 310, Long Branch, NJ 07740

  SPRING INCENTIVE! 1 YEAR OF PAID HOA! Welcome to The Inkwell Condominium, a boutique collection of one- and two-bedroom homes just moments from Long Branch shoreline. Residence 310 is a spacious two-bedroom, two-bath offering 1,073 square feet of interior living space. This NE corner home has an 87 square foot balcony perfect for enjoying morning light and ocean breezes. Oversized windows line

  Matthew Drennan NRT New York, LLC

  665 2nd Ave Unit 310, Long Branch, NJ 07740
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  /30

  $2,700,000

  • 2 Beds
  • 2.5 Baths
  • 1,786 Sq Ft

  392 Ocean Ave Unit 1305, Long Branch, NJ 07740

  NEW CONSTRUCTION. The Atlantic Club Residences is a premier oceanfront condominium community in Long Branch offering 132 luxury residences and over 75,000 sq. ft. of indoor and outdoor amenity space. Homes feature open floor plans with private terraces or balconies, kitchens with porcelain countertops, waterfall islands, custom cabinetry, and integrated Wolf, Sub-Zero, and Cove appliances.

  Teresa Minnick Christies Int'l RE Group

  392 Ocean Ave Unit 1305, Long Branch, NJ 07740
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  /20

  $544,000

  • 3 Beds
  • 1 Bath
  • 1,008 Sq Ft

  17 Bass Place, Howell, NJ 07731

  Welcome to this beautifully renovated home located on a tranquil street in the heart of Howell. This home has a living room / dining room, new kitchen, 3 nice sized bedrooms and a new bathroom. Very nice flooring throughout. The home also has an attached garage and a full basement, which can be used for storage or to increase the living space significantly. The large backyard is perfect for

  Miriam Cymet HomeSmart First Advantage

  17 Bass Place, Howell, NJ 07731
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  /31

  $1,550,000

  • 3 Beds
  • 2.5 Baths

  304 Park Ave, Long Branch, NJ 07740

  Come and see this cozy 3 Bed 2 1/2 bath home in sought after area on in Long Branch sitting on 84x96 lot.This house boasts a dining room, living room and first level bedroom. Clean kitchen with newer appliances. Large basement. One car garage. Close to beach, shopping and houses of worship. Call today!

  Cathrine Ades Cathy Ades Real Estate LLC

  304 Park Ave, Long Branch, NJ 07740
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  /50

  $599,000

  • 3 Beds
  • 2 Baths
  • 1,448 Sq Ft

  14-16 Stoney Brook Trail, Howell Township, NJ 07731

  RARE opportunity to own an incredibly PRIVATE 4 ACRE RETREAT in Howell positioned along preserved Monmouth County land. This unique setting offers privacy, natural beauty, and a peaceful escape while still being close to everything Monmouth County and the Shore has to offer. The property features a main home plus a separate cottage structure, offering flexibility possibilities. Surrounded by

  Adrianna Mieras EXP Realty

  14-16 Stoney Brook Trail, Howell Township, NJ 07731
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  /20

  $350,000

  • 2 Beds
  • 2 Baths
  • 1,158 Sq Ft

  70 Overlook Way Unit E, Manalapan, NJ 07726

  Beautifully updated end unit ranch in Covered Bridge. This spacious single level home offers one of the largest floor plans available, with gorgeous wooded views from both the back and side. With no neighbors above or below. The kitchen has been fully updated with ceramic flooring, granite counters and stainless steel appliances (new refrigerator) and sliders to front yard. Gorgeous light

  Kristine Angelone Berkshire Hathaway HomeServices Fox & Roach - Manalapan

  70 Overlook Way Unit E, Manalapan, NJ 07726
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  /40

  $359,000

  • 1 Bed
  • 1 Bath
  • 807 Sq Ft

  906 Wellington Place Unit 906, Matawan, NJ 07747

  Must see 1 bedroom plus office, lower level condo in desirable Wellington Place! This home is beautifully maintained and has new windows installed 2022. There is a woodburning fireplace with stunning quartz surround. Spacious and bright, you'll find a very functional layout that features built-ins in the dining area and an office that can be closed off with French doors to become a guest room or

  Jennifer Klein Keller Williams Realty West Monmouth

  906 Wellington Place Unit 906, Matawan, NJ 07747
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  /31

  $625,000

  • 2 Beds
  • 1 Bath
  • 888 Sq Ft

  45 Manning St, Red Bank, NJ 07701

  River Plaza gem! Adorable and freshly painted 2bedroom/1 full bath home on dead end street. Bright living room/dining room with hardwood floors and decorative molding. Sunroom off of kitchen great for playroom, office or dining space. The unfinished walk-up attic and full basement w/high ceilings offer additional possibilities. Walking distance to Red Bank and Swimming River Park. Close to train,

  Kelly Mohlmann Daunno Realty Services

  45 Manning St, Red Bank, NJ 07701
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  /41

  $419,000

  • 2 Beds
  • 1.5 Baths
  • 1,262 Sq Ft

  80 Parkway Dr Unit D, Freehold, NJ 07728

  UNBEATABLE LOCATION in The Villages in this Lakefront one-level ranch with unobstructed water views! This is the only one on the market with this special feature! This mint condition home is fully renovated, turn-key and ready for your immediate occupancy. Every surface, every finish, every light fixture; everything is brand new, never used. New appliances. Gorgeous floors. Beautiful colors. And,

  Anthony Jankowski Housemart Realty, LLC

  80 Parkway Dr Unit D, Freehold, NJ 07728
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  /8

  $639,000

  • 3 Beds
  • 3 Baths

  1 , 3, 5 Francis Mills Rd, Freehold, NJ 07728

  WOW 3 Individual Homes for the price of 1 !!! Attention Landscape Companies, Multi Families Come See this Unique Property. Each Home offers Kitchen, Livingroom, 1 Bedroom and 1 bath, Laundry Hookup, Private Driveways, Room to Park lg Vehicles and Tremendous Yards . All Homes Have their own Electric Meters. Septic and Well. Additional Large Storage unit on site divided among homes. Septic is 5 Yrs

  Patricia Inglese Robert DeFalco Realty Inc.

  1 , 3, 5 Francis Mills Rd, Freehold, NJ 07728
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  /40

  $699,000 Open Sat 1PM - 3PM

  • 2 Beds
  • 2.5 Baths
  • 1,566 Sq Ft

  5 Berkeley Square, Brielle, NJ 08730

  This is a coming soon listing, showings can begin Friday May 15. Desirable Berkeley Square | Rarely Available Brielle Condo. Welcome to 5 Berkeley Square, a rare opportunity to own in one of Brielle's most sought-after communities. This beautifully maintained 2-bedroom, 2.5-bath condominium offers a versatile layout with two en-suite bedrooms, including a convenient first-floor primary suite and

  Amber Fernicola Keller Williams Realty Spring Lake

  5 Berkeley Square, Brielle, NJ 08730
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  /29

  $445,000

  • 1 Bed
  • 5 Baths
  • 776 Sq Ft

  191 Wharfside Dr, Monmouth Beach, NJ 07750

  Welcome to Wharfside Manor in Monmouth Beach! This nicely maintained 1BR 1BA ''END UNIT'' residence offers effortless coastal living with a peaceful courtyard view. Featuring modern amenities, wood floors and an open airy layout, this is a perfect year round retreat or a summer escape. Complex comes equipped with a common pool and marina. Moments to the beach and all that Monmouth Beach has to

  Theresa Lee Coldwell Banker Realty

  191 Wharfside Dr, Monmouth Beach, NJ 07750

Showing Results 201 - 240, Page 6 of 13